Bank Comparison
First State Bank and Trust vs Citizens Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First State Bank and Trust | Citizens Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 14.34% | 14.10% |
| Tier 1 Capital Ratio | 14.34% | 14.10% |
| Total Capital Ratio | 15.60% | 15.09% |
| Tier 1 Leverage Ratio | 8.99% | 11.61% |
| Equity / Assets | 8.24% | 11.52% |
Profitability
| Metric | First State Bank and Trust | Citizens Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 1.05% |
| Return on Equity (ROE) | 19.65% | 9.22% |
| Net Interest Margin (NIM) | 3.50% | 4.29% |
| Yield on Earning Assets | 5.16% | 5.88% |
| Cost of Funds | 1.70% | 1.67% |
Asset quality
| Metric | First State Bank and Trust | Citizens Bank and Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 5.47% |
| Non-Performing Loan Ratio | 0.00% | 0.71% |
| Non-Performing Asset Ratio | 0.00% | 0.67% |
| Net Charge-Off Ratio | 0.00% | 0.14% |
| ACL / Loans | 1.25% | 1.02% |
Balance sheet
| Metric | First State Bank and Trust | Citizens Bank and Trust Company |
|---|---|---|
| Total Assets | $471,002K | $471,372K |
| Total Deposits | $429,334K | $410,214K |
| Total Loans | $310,665K | $349,875K |
| Total Equity | $38,788K | $54,299K |
| Net Income (quarter) | $1,906K | $1,240K |
Liquidity & funding
| Metric | First State Bank and Trust | Citizens Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 72.36% | 85.29% |
| Core Deposit Ratio | 88.32% | 94.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank and Trust | Citizens Bank and Trust Company |
|---|---|---|
| Headquarters City | BAYPORT | PLAQUEMINE |
| Headquarters State | MN | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 7 |
| Employees (FTE) | 79 | 79 |
| Established | Jan. 1, 1914, midnight | July 5, 1916, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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